rights and responsibilities of tenancy a...

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www.thecounselorscorner.net “Online Training Done Right”

June 23, 2016

Rights and Responsibilities of Tenancy –

A Review


Get to Know Your Presenter

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Robin Stout Migala

• Consultant to the industry

• Over 45 years’ experience in residential lending and default

servicing

• 23 years with Freddie Mac in Housing Outreach

• Specialty in loss mitigation and foreclosure prevention for

housing counselors and real estate professionals

http://www.thecounselorscorner.net


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GoToWebinar

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Toll Number: 1-562-247-8321

Access Code: 709-318-972

Webinar ID: 113-802-171


The Counselor’s Corner…

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THE Online Resource for Housing Counseling and Real Estate Professionals

Your one-stop Resource Center

• Provides information that enhances your knowledge of industry

changes and regulatory updates in a timely manner, all in one location

• Our online “Learning Center” provides Continued Education Hours for

your active participation



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Certificate of Completion Eligibility

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• All responses to the Knowledge Checkpoint and Polling Questions are tracked.

• Only those who register for and attend a webinar and who pass the post-webinar test will

receive a Certificate of Completion showing the hours.

• Within two hours after the webinar ends, we will e-mail the online testing link. Please check your

SPAM folder or your company’s quarantine for this e-mail.

IMPORTANT! Please add [email protected] to your address book

• Webinar attendees who pass the post-webinar test with a score of 80% or higher will be

awarded a Certificate of Completion.


Webinar Exit Survey

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• A survey will pop up at the end of today’s webinar - please complete

• Your Internet pop-up blocker must be disabled to view and complete the survey

• We appreciate your feedback!


mailto:[email protected]


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Knowledge Checkpoint Questions

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• We encourage you to take notes as we go

• Questions will pop up during today's presentation

• Your responses must be entered in the question box

KNOWLEDGE CHECKPOINT


National Industry Standards

8

The Counselor’s Corner supports the mission of the National Industry

Standards in Foreclosure, Homeownership Counseling & Education.

• The Standards help practitioners and organizations serve families and communities

in a consistent and professional manner.

• This webinar:

Promotes consistent & quality counseling

Builds competency & knowledge of responsibilities

Provides useable resources



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Counseling Setting/Format

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Counseling services may take place:

• In the office of the housing counseling agency

• Alternate location (for example, a client’s home and must be mutually acceptable to the housing counselor and client)

Alternative formats can include:

• Telephonic counseling

• Remote counseling systems designed using Skype technology, video cameras and the Internet

http://portal.hud.gov/hudportal/documents/huddoc?id=76101HSGH.pdf

Skype technology systems can also be used to deliver group education workshops and sessions.


Rights/Responsibilities of Tenancy

10

Our objective today is to enable you to:

• Understand the components of the rights and responsibilities

• Rental and eviction processes

• Review the skills required to productively counsel clients

• Get resources available to you and your clients

DISCLAIMER:

This training is a summary of the requirements for the HUD housing counseling competency – Rights and Responsibilities of Tenancy – and is not a substitute for those requirements.

This training is meant for educational purposes only. For additional information, please reference HUD Handbook 7610.1 and HUD’s exam training website. Please note that

requirements are subject to change at any time.


http://portal.hud.gov/hudportal/documents/huddoc?id=76101HSGH.pdf


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Polling Question #1

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Are you planning to become certified?

www.thecounselorscorner.net “Online Training Done Right” 12

Background – Dodd-Frank and HUD

HUD’s proposed rule dated September 13, 2013 states that in order to become HUD certified, housing counselors must

pass a written exam covering the six major areas of housing counseling:

1. Financial management

2. Property maintenance

3. Rights and responsibilities of homeownership and tenancy

4. Fair housing law and requirements

5. Housing affordability; and

6. Avoidance of, and responses to, rental and mortgage delinquency and avoidance of eviction and mortgage default



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To Rent or to Buy?

Ask your client these questions:

1. Are you ready for a long-term commitment or are your needs more short term?

2. Are you ready to take responsibility for the interior of your unit’s condition?

3. Is your credit up to par?

4. Do you have enough saved for first/last/security?

5. Are you willing to comply with apartment rules/regulations?

6. Are you willing to adjust your spending habits?

7. Can you afford a rent payment as well as other monthly bills?

8. Have you ever been evicted from an apartment before?


Advantages of Renting

• Could be less expensive than owning

• Shorter term commitment

• Low or minimal maintenance/repair cost

• Lower insurance cost

• Amenities

• Lower market risk



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Disadvantages of Renting

• No tax break

• Rent will possibly increase yearly

• Less freedom with interior design

• No building of equity


Barriers to Renting

INVISIBLE BARRIER –

Want vs. Need

• Not saving enough for first, last and security

• Having a poor credit history

• Reduced income

• Not having a stable job

• Inability to pay off debts, including utility bills

• Rising rents

• Poor references

https://www.nerdwallet.com/blog/credit-card-data/average-credit-card-debt-household/



https://www.nerdwallet.com/blog/credit-card-data/average-credit-card-debt-household/

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Tenant’s Rights

• Safe use of the property and its amenities

• Privacy

• Access to landlord for issues and repairs

• Timely return of security deposit if only wear and tear


Tenants’ Responsibilities

• Comply with the lease

• Pay rent on time

• Respect neighbors

• Prevent damage to unit



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Landlords’ Rights

• To collect rents on time

• To negotiate the terms of a lease

• The right to exercise lease terms

• The right to evict


Landlords’ Responsibilities

• To keep to the terms of a lease

• To maintain a safe, clean and quiet environment

• To not discriminate

• To handle repairs promptly

• To safeguard tenants’ security deposits

• To evict



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Knowledge Checkpoint Question #1

A barrier to renting could be the client’s inability to distinguish between “want” and “need”.

Is this correct and, if so, why?

Yes.

Too many “wants” could price the client out of an affordable apartment.


Preparing for Rental

BEFORE –

• Determine goal

• Review current financial position

• Pull credit report/score – repair

• Review budget

• Determine ability to pay

• Understand leases

• Beware of scams

• Fair Housing rights

• Get rental counseling

DURING –

• Review amenities

• Apartment hunting

• Lead-based paint

• Subsidies

• Affordable housing programs

• Tenant insurance

• Sign the lease

AFTER –

• Move in

• Delinquency prevention

• File leasing documents

• Update finances/budget

• Understand eviction



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Highest/Lowest Rents by City

http://www.cbsnews.com/media/the-income-needed-to-pay-rent-in-

the-biggest-u-s-cities/17/https://smartasset.com/mortgage/top-ten-cheapest-places-to-live


Hourly Wage Needed to Rent by State

http://nlihc.org/sites/default/files/oor/OOR_2016_Factsheet.pdf

http://nlihc.org/oor


http://www.cbsnews.com/media/the-income-needed-to-pay-rent-in-the-biggest-u-s-cities/17/

https://smartasset.com/mortgage/top-ten-cheapest-places-to-live


http://nlihc.org/sites/default/files/oor/OOR_2016_Factsheet.pdf

http://nlihc.org/oor

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Rental Costs

25

• Generally, a consumer should budget about

30% of his income for housing costs

• This does not include utilities, insurance, trash

and other rental-related expenses

• 30% allows a buffer for other expenses such as

food, entertainment, savings, etc.


Other Rental Cost Factors

26

• The move

• Transportation

• Neighborhood benefits

• Cost of amenities



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Polling Question #2

27

Have you seen an increase in the last six months

from clients who are looking to rent?


Fair Housing Act/Equal Credit Opportunity Act

FHA prohibits discrimination in housing on the basis of:

race, color, national origin, religion, sex, familial status

or disability.

In the sale and rental of housing, it is prohibited to:

• refuse to rent or sell housing,

• refuse to negotiate for housing,

• make housing unavailable,

• deny a dwelling,

• set different terms, conditions or privileges for sale

or rental of a dwelling

• provide different housing services or facilities.

ECOA makes it unlawful for any creditor to discriminate

against any credit applicant regarding any aspect of a credit

transaction based on:

race, color, religion, national origin, sex, marital status,

age, or receipt of public assistance

Creates regulatory requirements for:

• Taking applications

• Evaluating customer qualifications

• Extending credit and denying credit

• Providing disclosures (i.e. Adverse action)

http://thecounselorscorner.net/tutorials/ho

me_buying/fair_housing/presentation.html



http://thecounselorscorner.net/tutorials/home_buying/fair_housing/presentation.html

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Lead Disclosure Rule

• Residential Lead-Based Paint Hazard Reduction Act of 1992

• Disclose lead-based paint - built before 1978

• Before ratification of a contract for housing sale or lease, sellers and landlords must:

Give an EPA-approved information pamphlet

Disclose any known information concerning lead-based paint

Provide any records and reports on lead-based paint

Include an attachment to or language in the contract or lease which includes a Lead Warning Statement

Sellers must provide homebuyers a 10-day period to conduct a paint inspection or risk assessment for lead-

based paint

http://portal.hud.gov/hudportal/HUD?src=/program_offices/healthy_homes/enforcement/disclosure


Beware of Scams

Scams don’t operate just on the homeownership side – they exist on the rental side as well.

• #1 scam – renting to multiple tenants

• Phantom rentals

• Foreclosure rental scams

https://rentalscams.org/

http://www.fraudguides.com/consumers/rental-scams/

https://www.consumer.ftc.gov/articles/0079-rental-listing-scams

http://portal.hud.gov/hudportal/documents/huddoc?id=DOC_10872.pdf




http://portal.hud.gov/hudportal/HUD?src=/program_offices/healthy_homes/enforcement/disclosure


https://rentalscams.org/

http://www.fraudguides.com/consumers/rental-scams/

https://www.consumer.ftc.gov/articles/0079-rental-listing-scams


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Rent Payments to Build Credit

• Experian RentBureau will launch interface to accept reporting of rent payments

• The new program allows clients to seamlessly report rental payment data

• Consumers are then able to build credit

http://www.experian.com/rentbureau/renter-credit.html


Reviewing Credit, continued…

A credit report is a record of a consumer’s financial transactions.

Every credit report contains data in five categories:

• Identifying information

• Trade lines and payment ratings

• Public records

• Collections; and

• InquiriesFree credit report – https://www.annualcreditreport.com/index.action

Equifax – 1-800-685-1111 – http://www.Equifax.com

Experian – 1-888-397-3742 – http://www.Experian.com

Trans Union – 1-800-888-4213 – http://www.transunion.com

http://thecounselorscorner.net/tutorials/credit/credit_reports/presentation.html


http://www.experian.com/rentbureau/renter-credit.html


https://www.annualcreditreport.com/index.action

http://www.equifax.com/

http://www.experian.com/

http://www.transunion.com/

http://thecounselorscorner.net/tutorials/credit/credit_reports/presentation.html

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Fair Credit Reporting Act

• Consumers have the right to dispute inaccuracies

• Should be done in writing with a dispute letter or online

• Credit Bureaus must investigate and provide the consumer

with the results of the investigation within 30 days

Incorrect information must be corrected

Inaccurate information must be deleted

Incomplete information must be completed

http://thecounselorscorner.net/tutorials/credit/fair_credit_reporting/presentation.html


Successful Budgeting

Following these steps will help prepare for success:

• Track spending

• Save automatically

• Prioritize spending

• Use cash

• Reduce credit card debt

• Build a safety net

• Live within your means


http://www.google.com/url?sa=i&rct=j&q=credit+report&source=images&cd=&cad=rja&docid=Z2njWUKU6RIutM&tbnid=64B5EZVqDI0KdM:&ved=0CAUQjRw&url=http://aboutcreditscoreimproving.com/how-to-get-a-free-credit-report/&ei=EyXqUdfHGobq8wTbmYH4Bw&bvm=bv.49478099,d.eWU&psig=AFQjCNFRQGDK7VhClQaQgW1glMtIQEoIig&ust=1374385801389687

http://www.google.com/url?sa=i&rct=j&q=credit+report&source=images&cd=&cad=rja&docid=Z2njWUKU6RIutM&tbnid=64B5EZVqDI0KdM:&ved=0CAUQjRw&url=http://aboutcreditscoreimproving.com/how-to-get-a-free-credit-report/&ei=EyXqUdfHGobq8wTbmYH4Bw&bvm=bv.49478099,d.eWU&psig=AFQjCNFRQGDK7VhClQaQgW1glMtIQEoIig&ust=1374385801389687

http://thecounselorscorner.net/tutorials/credit/fair_credit_reporting/presentation.html


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Budgeting to RentThe client should create a reasonable budget that will help him

establish good spending habits while saving money to rent.

General budgeting guidelines are:


The Lease

• Lease term and rent increases – generally, leases are on a yearly basis and rents

usually don’t increase outside the cycle.

• Deposits – most leases include up-front security deposits, often equaling at least one

month’s rent. First and last month’s rent may also be required.

• Rent payments and late fees – where to send rent

payments and on what day of the month they’re due.

• Property management and repairs – some complexes

have maintenance staff onsite.



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The Lease, continued…

• Utilities – determine if utilities such as gas, electricity, trash, cable and water

are included in the rent.

• Subletting terms – ask if a new co-tenant can be added if a previous

roommate leaves or if the whole apartment unit can be sublet.

• Property examination – do a thorough walkthrough of the apartment prior to

signing and make a checklist of items.

• Save a copy – after signing the lease, keep a copy on file.


Types of Tenancy

• Periodic/at will – until either landlord or

tenant ends the tenancy

• Fixed term/contractual – usually a one

year lease

• At sufferance – mutual agreement to rent

after lease has expired



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When creating a budget for rent, the maximum a consumer should pay monthly for rent is 43%

of his income

Is this true or false?

False.

Tell me in the question box what the percentage should be.


The Good Neighbor Tenant

• Be friendly towards others

• Be soft-spoken when entering and

exiting

• Be considerate of the noise level

inside the apartment

• Have on-site laundry manners

• Know the rules for parking

• Be cautious when having guests

over

• Offer positive assistance or

convenience to your elderly

neighbors

• Ask questions regarding smoking

with the property management

• Choose small pets for a pet-friendly

apartment

• Observe apartment dumpster

protocols



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Rental Assistance Programs

• Privately owned subsidized housing - HUD helps apartment owners offer

reduced rents to low-income tenants. Families receive housing assistance as

long as they live in the subsidized property.

• Public housing/Section 8 – offers vouchers for low-income residents

• Rental help by state – several resources


Additional HUD Rental Programs

http://www.va.gov/homeless/hud-vash.asp

https://www.hudexchange.info/programs/hopwa/



http://www.va.gov/homeless/hud-vash.asp

https://www.hudexchange.info/programs/hopwa/

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Renters’ Insurance

Every tenant should have renter’s insurance.

There is no reason not to get it!

• Renter’s insurance is inexpensive

• Covers contents and personal injury liability




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Polling Question #3

In the past year, what percentage of your

clients were being evicted from a rental?


What is Rental Eviction?

46

Eviction is the physical removal of a tenant from a rental property by the landlord

following a legal process to obtain court approval.



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Rental Eviction

• Most tenants who are facing eviction are being evicted as a

consequence of nonpayment of rent.

• Others may face eviction for a variety of other reasons,

including violation of lease terms, creation of a health or safety

hazard, or even a personality dispute with a landlord.

• Breaking a lease can have many negative consequences.

http://www.nolo.com/legal-encyclopedia/evictions-renters-tenants-rights-29824.html


Rental Disputes

48

Landlords and tenants should follow these tips to avoid legal problems:

• Know your rights and responsibilities under federal, state, and local law

• Make sure the terms of the lease or rental agreement are clear

• Keep communications open

• Keep copies of any correspondence and make notes of conversations about any

problems


http://www.nolo.com/legal-encyclopedia/evictions-renters-tenants-rights-29824.html


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Emergency/Transition Shelter Population

49


Types of Rental Eviction

50

• Non-payment eviction

Unpaid rent

• Holdover eviction

Reason(s) other than non-payment of rent



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How Does Rental Eviction Work?

51

Every state is different!

Step Action1 Landlord terminates tenancy with written notice

including reason, tenant steps and time period

2 Tenant corrects issue, vacates or counters

3 If tenant counters, seek Legal Aid

4 If tenant does not cure, landlord lawsuit to evict

5 Landlord follow state laws exactly

6 Landlord prove reason for eviction

7 Eviction conducted

Process by state > http://www.evictionresources.com/eviction_process.html


Landlord Written Notice

52


Three basic types:

1. Pay Rent or Quit Notice

2. Cure or Quit Notice

3. Unconditional Quit Notice


http://www.evictionresources.com/eviction_process.html


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Pay Rent or Quit Notice

53


Used when the tenant has

not paid the rent

Tenant has a few days to

pay the rent up to date or

move out

http://www.pinstopin.com/three-day-notice-to-pay-rent-or-

quit/aW1nKmRvY3N0b2NjZG4qY29tfHRodW1ifG9yaWd8MzEwMjc0OSpwbmc_Z

G9jc3RvYypjb218ZG9jc3wzMTAyNzQ5fHRocmVlLWRheS1ub3RpY2UtdG8tcGF5LXJlbnQtb3ItcXVpdC10aHJlZS1kYXktLS1kb3dubG9hZC1hcy1wZGY/


Cure or Quit Notice

54


Used when a tenant violates a

term or condition of the

lease/rental agreement such as

a no-pets clause, having an

unauthorized occupant in the

rental or the promise to refrain

from making excessive noise.

Tenant has a few days to cure the violation or move out

http://www.fastevictionservice.com/notice-to-perform-covenant-cure-or-quit


http://www.pinstopin.com/three-day-notice-to-pay-rent-or-quit/aW1nKmRvY3N0b2NjZG4qY29tfHRodW1ifG9yaWd8MzEwMjc0OSpwbmc_ZG9jc3RvYypjb218ZG9jc3wzMTAyNzQ5fHRocmVlLWRheS1ub3RpY2UtdG8tcGF5LXJlbnQtb3ItcXVpdC10aHJlZS1kYXktLS1kb3dubG9hZC1hcy1wZGY/


http://www.fastevictionservice.com/notice-to-perform-covenant-cure-or-quit

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Unconditional Quit Notice

55


Used to order a tenant to vacate the premises with no chance

to pay the rent or correct a lease/rental agreement violation.

In most states, unconditional quit notices are allowed only if

there has been:

repeated violations of a significant lease/rental

agreement clause

late rent payments on more than one occasion

serious damage to the premises, or

engagement in serious illegal activity, such as drug

dealing on the premises

http://www.fastevictionservice.com/3-day-notice-vacate


Notice of Termination Without Cause

56


Even if a tenant has not violated the rental agreement and

has not been late paying rent, a landlord can usually ask

the tenant to move out at any time (assuming there isn’t a

fixed term lease) as long as the landlord gives the tenant a

longer notice period than the previous examples.

• A 30-day or 60-day Notice to Vacate can be used in most

states when the landlord does not have a reason to end

the tenancy

• Rent Control Exceptions. Many rent control cities go

beyond state laws and require the landlord to prove a

legally recognized reason for termination. These laws are

known as "just cause eviction protection."

http://www.utahevictionlaw.com/leasetermination.html


http://www.fastevictionservice.com/3-day-notice-vacate


http://www.utahevictionlaw.com/leasetermination.html

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Regardless of the type of eviction or city in which it is conducted, eviction is a legal process

that is the same in every State.

True or false?

False.


If the Tenant Does Not Immediately Comply

58


Step Action1 Unlawful Detainer lawsuit by the landlord

2 Notice of Petition to the tenant

3 Court Hearing to resolve issues

4 Final Judgment by the judge

5 Appeal by the tenant

6 Writ of Possession to landlord

7 Eviction of tenant



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Unlawful Detainer

59


The landlord files an Unlawful Detainer

complaint when a tenant is in possession

of an apartment and refuses to leave the

premises upon the expiration or

termination of the lease after having

received notice from the landlord.

http://www.courts.ca.gov/documents/ud100.pdf


Notice of Petition

60


The court then serves the tenant with a

Notice of Petition, which includes:

Reason for eviction

Request for response

Due date for tenant response (usually five

days)

Request for tenant to appear in court on a

specific date

Ramifications for tenant of not appearing

http://www2.law.columbia.edu/donnelly/hlas/Legal%20Aid/NOTICE%20NONPAYMENT.jpg


http://www.courts.ca.gov/documents/ud100.pdf


http://www2.law.columbia.edu/donnelly/hlas/Legal Aid/NOTICE NONPAYMENT.jpg

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Court Hearing

61


The court hearing (5-12 days after Notice of

Petition was served) is broken down into two

separate sessions:

1. Resolution segment – tenant and

landlord discuss options such as a

repay plan for the past due rent.

2. Trial segment – if no agreement can

be reached, the case goes to a Judge.


Final Judgment

62


Within five days of the court hearing, the judge

issues a final judgment (decision).

1. Within five more days, tenant must cure the

lease violation or pay rent up to date; or

2. Tenant may appeal decision



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Writ of Possession

63


If tenant does not appeal the Final Judgment

within five days, landlord files request for the

court to issue a Writ of Possession which

authorizes the eviction of the tenant and all

belongings from the rental unit.

Writ of Possession must be delivered to

tenant at least 72 hours prior to the date and

time of the scheduled eviction.

http://www.courts.state.va.us/forms/district/dc469.pdf


Eviction

64


Generally, a landlord has two eviction options:

1. Full eviction – tenant’s possessions placed at the

nearest public right of way by the Sheriff’s office.

2. Lock change eviction – after landlord changes the

locks, tenant has access for 24 hours to remove

possessions.


http://www.courts.state.va.us/forms/district/dc469.pdf


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Polling Question #4

65

What percentage of your clients are Millennials?

http://www.housingwire.com/articles/37237-freddie-mac-baby-boomers-

pushing-millennials-out-of-housing-market?eid=311691159&bid=1429866


Before Eviction – Non-payment of Rent

66


1. Review reason for non-payment

2. Determine ability to pay/adjust budget

3. Determine credit standing and credit score

4. Review alternative means to pay rent

5. Contact Legal Aid if going to court

6. Develop Action Plan

7. Time is of the essence!

http://portal.hud.gov/hudportal/HUD?src=/topics/rental_assistance/local


http://www.housingwire.com/articles/37237-freddie-mac-baby-boomers-pushing-millennials-out-of-housing-market?eid=311691159&bid=1429866



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Before Eviction – Lease Violation

67


1. Review reason for violation

2. Determine client’s willingness/ability to cure the violation

3. If so, do so and review rental agreement…again

4. If not, find other housing or shelter




If Eviction is Inevitable

68


1. Contact Legal Aid

2. Housing Choice Voucher Program (Section 8 housing)

3. Move in with family/friends

4. Emergency/transitional shelters





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Protecting Tenants at Foreclosure Act

69

http://www.nationalmortgagenews.com/news/dis

tressed/tough-choices-for-servicers-after-tenant-

foreclosure-law-expires-1044042-1.html

http://nlihc.org/sites/default/files/FactSheet_PTFA_2015.pdf

http://nhlp.org/node/1341



There are three types of eviction –

1. Pay Rent or Quit Notice

2. Cure or Quit Notice

3. Unconditional Quit Notice

However, there is actually also a fourth type of Notice which could result in an eviction action.

What is it called?

Notice of Termination Without Cause.


http://www.nationalmortgagenews.com/news/distressed/tough-choices-for-servicers-after-tenant-foreclosure-law-expires-1044042-1.html

http://nlihc.org/sites/default/files/FactSheet_PTFA_2015.pdf

http://nhlp.org/node/1341


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Options for Servicemembers

Servicemembers Civil Relief Act

SCRA, enacted in 2003 and amended several times since then and formerly known as the Soldiers’

and Sailors’ Civil Relief Act of 1940 (SSCRA), is a federal law that provides protections to individuals

in military service.

The law’s purpose is to postpone, suspend, terminate, or reduce the amount of certain civil

obligations so that members of the armed forces can focus their full attention on their military

responsibilities without adverse consequences for themselves or their families. Protections:

• Rental agreements

• Security deposits

• Prepaid rent

• Evictions

• Installment contracts

• Credit card interest rates

• Automobile repossessions

• Automobile leases

• Mortgage interest rates

• Mortgage foreclosures

• Civil judicial

proceedings

• Life insurance

• Health insurance

• Income tax payments


How Can Housing Counselors Help their Clients?

72

Understand:

The steps to successful tenancy

The value of thorough coaching and counseling

Resources available to the client



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Certification Exam Resources

73

• Dodd-Frank Act (brief summary) – http://useconomy.about.com/od/criticalssues/p/Dodd-Frank-Wall-Street-Reform-Act.htm

• HUD proposed rule in .pdf format –

http://www.gpo.gov/fdsys/pkg/FR-2013-09-13/pdf/2013-22229.pdf

• HUD Q&A on proposed rule and certification exam –

http://portal.hud.gov/hudportal/documents/huddoc?id=OHC_HCCERTF110613.pdf

• HUD training and certification exam website –

http://www.hudhousingcounselors.com/

• HUD press release about new exam website –

http://portal.hud.gov/hudportal/HUD?src=/press/press_releases_media_advisories/2015/HUDNo_15-070

• HUD Exchange – https://www.hudexchange.info/


Rental Resources

74

• Apartment affordability calculator –

http://www.myapartmentmap.com/affordable_housing/calculator/

• Rent calculator – http://firstapartmentguide.com/rent-calculator

• Rent affordability – http://www.nakedapartments.com/blog/rent-to-income/

• Rental housing online – http://rhol.com/rental/tentip.htm

• Apartment ratings – http://www.apartmentratings.com/

• National Apartment Association – http://www.naahq.org/


http://useconomy.about.com/od/criticalssues/p/Dodd-Frank-Wall-Street-Reform-Act.htm

http://www.gpo.gov/fdsys/pkg/FR-2013-09-13/pdf/2013-22229.pdf

http://portal.hud.gov/hudportal/documents/huddoc?id=OHC_HCCERTF110613.pdf

http://www.hudhousingcounselors.com/

http://portal.hud.gov/hudportal/HUD?src=/press/press_releases_media_advisories/2015/HUDNo_15-070

https://www.hudexchange.info/


http://www.myapartmentmap.com/affordable_housing/calculator/

http://firstapartmentguide.com/rent-calculator

http://www.nakedapartments.com/blog/rent-to-income/

http://rhol.com/rental/tentip.htm

http://www.apartmentratings.com/

http://www.naahq.org/

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Rental Resources

75

• Privately owned subsidized housing – http://www.hud.gov/apps/section8/index.cfm

• Public housing –

http://portal.hud.gov/hudportal/HUD?src=/program_offices/public_indian_housing/pha/contacts

• Rental help by state – http://portal.hud.gov/hudportal/HUD?src=/topics/rental_assistance/local

• Rental assistance programs by state – http://www.rentassistance.us/

• Move in/move out inspection form –

http://portal.hud.gov/hudportal/documents/huddoc?id=90106.pdf


Rental Resources

76

• Rental assistance – http://portal.hud.gov/hudportal/HUD?src=/topics/rental_assistance

• United Way 211 assistance – http://www.211us.org/

• Legal Aid – http://www.lsc.gov/local-programs/program-profiles

• Eviction process by state – http://www.evictionresources.com/eviction_process.html

• Tenants’ Rights by State –

http://portal.hud.gov/hudportal/HUD?src=/topics/rental_assistance/tenantrights


http://www.hud.gov/apps/section8/index.cfm

http://portal.hud.gov/hudportal/HUD?src=/program_offices/public_indian_housing/pha/contacts


http://www.rentassistance.us/

http://portal.hud.gov/hudportal/documents/huddoc?id=90106.pdf


http://portal.hud.gov/hudportal/HUD?src=/topics/rental_assistance

http://www.211us.org/

http://www.lsc.gov/local-programs/program-profiles

http://www.evictionresources.com/eviction_process.html

http://portal.hud.gov/hudportal/HUD?src=/topics/rental_assistance/tenantrights

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Rental Resources

77

• Catholic Charities shelters by state – http://catholiccharitiesusa.org/

• Emergency rental assistance by city –

http://www.needhelppayingbills.com/html/emergency_rent_assistance.html

• Rental assistance by state –


• Homeless shelters by state – http://www.homelessshelterdirectory.org/

• File a complaint with the CFPB – http://www.consumerfinance.gov/complaint/


General Resources

78

• Equal Credit Opportunity Act – https://www.justice.gov/crt/equal-credit-opportunity-act-3

• File ECOA complaint with the Federal Trade Commission (FTC) – https://www.ftccomplaintassistant.gov/#&panel1-1

• Fair Housing Act – https://www.justice.gov/crt/fair-housing-act-2

• HUD Fair Housing complaint form – https://portal.hud.gov/FHEO903/Form903/Form903Start.action

• HUD’s Fair Housing and Equal Opportunity (FHEO) offices >


http://catholiccharitiesusa.org/

http://www.needhelppayingbills.com/html/emergency_rent_assistance.html


http://www.homelessshelterdirectory.org/

http://www.consumerfinance.gov/complaint/


https://www.justice.gov/crt/equal-credit-opportunity-act-3

https://www.ftccomplaintassistant.gov/#&panel1-1

https://www.justice.gov/crt/fair-housing-act-2

https://portal.hud.gov/FHEO903/Form903/Form903Start.action

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Military Resources

79

• SCRA Public Law December 19, 2003 – http://www.gpo.gov/fdsys/pkg/PLAW-

108publ189/pdf/PLAW-108publ189.pdf

• Armed Forces Legal Assistance Program Office –

http://legalassistance.law.af.mil/content/locator.php

• CFPB Servicemember protections – http://www.consumerfinance.gov/blog/servicemembers-you-

have-new-mortgage-protections-in-2014/


Continued Education Hours

80

• 2.0 hours for today’s session

• Must take the short test to receive the Certificate of Completion

• The test link will be sent to you within two hours after the end of this webinar

IMPORTANT! Please add [email protected] to your address book

• Once you pass the test, you can print your certificate right away at the test site

Please complete the survey that will pop up at the end of today’s webinar.


http://www.gpo.gov/fdsys/pkg/PLAW-108publ189/pdf/PLAW-108publ189.pdf

http://legalassistance.law.af.mil/content/locator.php

http://www.consumerfinance.gov/blog/servicemembers-you-have-new-mortgage-protections-in-2014/


mailto:[email protected]

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Upcoming Webinars

81


Funding Opportunities

82

DISCLAIMER:

The information provided using this web site is intended for general summary information purposes only. It is not intended to replace the guidelines of any funder. Each funder will provide

guidelines that outline their strategic focus to address a specific need; therefore, we do not guarantee the outcome of any potential grant application. It is suggested that direct contact be made to

the funders for details, current information, official documents, funding cycles and availability.



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Strategic Partnership

• Additional online training events

• Increased resources

• Extended networking opportunities

• More Continued Education Hours

http://www.afcpe.org/


Self-care for Housing Counselors

90


http://www.afcpe.org/


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06-23-16


Inflight Announcement

• Put on your own mask first before trying to help

someone else

• Counselor wellness experts say that idea has

mileage on the ground, too

• Helping yourself first is a principle that applies

directly to counseling

• “If you’re gasping for air,” you can’t help other

people

85


Self-Care in 2016

• Your wellness is a critical factor in being a healthy housing/financial counselor

• Each month TCC will review one topic that pertains to self-care for housing counselors

• We will provide resources to help build counselor sustainability

86



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2016 is the Year of Setting Goals

Identify your basic GOALS:

• Personal

Committing to financial health/savings

Paying down debt

Reducing stress

• Professional

Counselor certification

Continued education - training needs

Agency and counselor recognition

87


June

Make the shift!

Shift your behavior from financial self-neglect

to financial self-care.

88



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www.thecounselorscorner.net 90

Rights and Responsibilities of Tenancy –

A Review

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